Credit Risk Manager

JR Germany; Berlin; Vor Ort; EUR 70.000 - 90.000; Vollzeit

Zusammenfassung

A leading technology-driven bank is seeking a Credit Risk Manager to enhance its credit risk functions. This role involves developing credit processes, collaborating with experts, and ensuring compliance with regulations. Join a diverse team in Berlin and accelerate your career with innovative solutions.

Leistungen

Personal development budgets

Work-from-home allowances

Wellness discounts

Premium banking subscriptions

Additional annual leave

Relocation support

Qualifikationen

• 5+ years in credit risk management, corporate credit analysis.
• Experience with regulatory requirements and process digitization.

Aufgaben

• Develop credit risk functions within treasury department.
• Perform credit reviews and ensure compliance with policies.
• Monitor and report on Treasury portfolio exposures.

Kenntnisse

Credit Risk Assessment

Analytical Skills

SQL

Python

Financial Analysis

Ausbildung

Bachelor's degree in finance

Master’s or CFA qualification

Tools

Bloomberg

Jobbeschreibung

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Are you ready to fast-track your career? N26 is looking for a Credit Risk Manager to further develop the credit risk function at a cutting-edge, technology-driven bank. The role involves establishing credit analysis, risk management, and control tools; developing credit processes based on the latest technology and regulations; collaborating with business and tech experts; and playing a key role in N26's Credit Office.

Who we are:

N26 has reimagined banking for today's digital world. Technology and design empower everything we do, building a global banking platform loved worldwide. We’ve eliminated physical branches, paperwork, and hidden fees to provide an elegant digital experience and significant savings. Our mission is to empower people to live and bank their way. Headquartered in Berlin, with offices across Europe including Vienna and Barcelona, we have a diverse team of over 1,500 employees from more than 80 nationalities.

Responsibilities:

1. Further develop N26’s credit risk functions within our treasury department to support investment goals and risk leadership.
2. Perform credit reviews and ratings for large counterparties, ensuring compliance with internal policies and regulatory standards (e.g., KWG, MaRisk, EBA Guidelines).
3. Contribute to the development of credit risk governance, rating systems, and lending processes.
4. Monitor and report on Treasury portfolio exposures.
5. Identify opportunities for automation and efficiency in risk reporting and data management.
6. Support the development of innovative credit solutions and operational credit/investment decisions.
7. Enhance credit analysis methods, processes, and controls across the credit lifecycle tailored to N26’s asset classes.
8. Develop treasury strategies and frameworks in compliance with relevant laws and regulations.
9. Collaborate with various departments to ensure transparency, compliance, and a strong risk culture.

Background:

• Bachelor's degree in finance, economics, or a related field; a Master’s or CFA qualification is a plus.
• 5+ years in credit risk management, corporate credit analysis, with exposure to structured products; fintech or treasury experience is advantageous.

Skills:

• Deep experience in credit risk assessment and monitoring for sovereigns, financial institutions, and structured transactions.
• Ability to evaluate creditworthiness using ratings, financials, and market sensitivities.
• Understanding of credit processes across the entire lifecycle and related controls.
• Experience with regulatory requirements and process digitization.
• Knowledge of credit risk regulation (e.g., KWG, MaRisk, EBA Guidelines, Basel).
• Knowledge of structured products like ABS, RMBS, ABCP, Repo, and securitized lending is a plus.
• Experience with risk data governance and data quality management is beneficial.
• Strong analytical skills, with proficiency in SQL, Python, and Bloomberg being advantageous.
• Fluent in English; German is a plus.
• Attention to detail, autonomous, proactive, and curious about new technologies.
• Flexible, collaborative, and eager to learn and improve.

What’s in it for you:

• Accelerate your career with one of Europe's most innovative disruptors.
• Enjoy benefits like personal development budgets, work-from-home allowances, wellness discounts, and more.
• Access to premium banking subscriptions for you and your loved ones.
• Additional annual leave for each year of service.
• Work with cutting-edge technologies in a diverse, supportive environment.
• Relocation support and visa assistance if needed.

We value diversity and are committed to an inclusive workplace. We welcome applications from all backgrounds and encourage you to reach out if you need accommodations during the application process. Learn more about our Diversity, Equity, & Inclusion initiatives on our website.